How To Calculate The Legitimate Inheritance?

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It is increasingly common for people to take into account what will happen to our family and our assets when we are no longer here. Making a will is simple and it is also very helpful for family members, but when it comes to testament there are a series of basic concepts such as legitimate inheritance that we must take into account.

What is legitimate inheritance?

The inheritance of a person is divided into three parts. There is a third legitimate , a third improvement and a third freely available . The legitimate part is that which the testator cannot dispose of and which must necessarily go to the hands of his heirs (if he has them).

However, this is not always the case, since there are causes that enable the testator to disinherit all or some of his legitimate heirs. For example, if they have not taken care of him when he has needed it.

Who are the forced heirs?

Forced heirs are mainly children and descendants with respect to parents and ancestors . In the absence of them, the parents and ancestors will be with respect to their children and descendants . For the widowed spouse, the legitimate one is granted in the form of usufruct , that is, they will not have ownership of the assets but they will be able to possess them.

We see it better with an example. If you have children, your legitimate heirs will be them, or even your grandchildren if at the time of your death your children were no longer alive. If you don’t have children but you do have parents, they will inherit you.

Calculation of the legitimate

The Civil Code determines that the legitimate of the children and descendants is two-thirds of the inheritance . In the case of parents and ascendants, the legitimate is half of the inheritance or a third if the deceased had a widow or widower .

If the spouse concurs to the inheritance with children, the usufruct of the third improvement corresponds to him and the usufruct of half of the inheritance if he concurs only with ascendants. In the event that the widower or widow concurs to the inheritance without ascendants or descendants of his partner, he is entitled to the usufruct of two thirds of the inheritance.

In addition, it must be taken into account that in the Autonomous Communities with their own Civil Law there may be differences regarding the proportion of the legitimate. This occurs in Catalonia, Galicia, Navarra, the Basque Country, Aragon and the Balearic Islands.

How to claim the legitimate one?

The inheritance is claimed against the rest of the heirs. In these cases, what you do is follow the inheritance distribution procedure. It will be necessary to know first whether or not the deceased had a will.

If there is a will, the assets are distributed in accordance with the provisions of it. If there is no testament, a declaration of heirs is made first and then the assets and obligations are distributed according to the criteria established by the Civil Code.

Can I give up the legitimate one?

The renunciation of the inheritance can be made once the owner of the assets and obligations to inherit has died. It must be a resounding, express and clear resignation .

Opinions for and against the legitimate

Legitimate inheritance is a figure with a long history within Civil Law and today it is debated whether its maintenance makes sense or not. Especially in those cases in which the deceased’s assets go to the hands of someone with whom he hardly had a relationship.

Those who defend its maintenance emphasize that it is a way of protecting family assets and ensuring that certain assets are passed on from parents to children. As well as ensuring a certain economic level for those who have lost their family member.

Those who are against state that this legal provision restricts the freedom of people when it comes to doing what they want with their property .

Now that you know what legitimate inheritance is and the factors that influence it, our recommendation is that you consult with experts who can help you draft your will in a way that suits your wishes. Only in this way do you eliminate the risks associated with an invalid will and prevent your will from being annulled after your death.

How To Calculate A Payroll: Keys To Interpret It

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It is an essential document in your work life and even if you are tired of seeing it every month, it is likely that you have doubts about the meaning of each of the data that appears in it. Therefore, in this article we want to explain how to interpret a payroll and how to calculate it so that if there is an error in it, you can detect it.

What is a payroll?

The payroll of every worker is that document that specifies the remuneration that an employee receives each month for the work he or she performs within the company.

This document must reflect the contributions and withholdings, essential information for both the employee and the company . For example, two of these key aspects are the amount of the payroll that is destined for Social Security and the withholdings of the Personal Income Tax, the IRPF.

Therefore, you should know what the net salary is and what are the different contributions that your payroll reflects. The company also needs to make a correct calculation of your payroll because it is convenient for it to have in order the documents that are part of the internal accounting and that allow it to make an adequate calculation of personal income tax and other withholdings.

What items are on a payroll?

Your payroll should include the following items:

  • Header . In the case of the company, the data has to do with the CIF, the address and the social security contribution account. In the case of your data, it is essential that your professional category and contribution group appear , essential to know what your salary perceptions are.
  • Accruals . It appears in the central part of the document and is made up of the different salary and non-salary perceptions. With this information the gross salary is obtained .
  • Deductions . These are the discounts that are made to the gross salary, so when applying them, the net salary is obtained.
  • Contribution base . It is the total gross salary and is an important indicator for calculating benefits such as retirement or unemployment benefit.

What are the key elements to calculate a payroll? 

Accruals

As we have already pointed out, accruals are made up of two types of earnings:

  • The salary perceptions are those you receive for the normal development of your work functions. Also listed here are overtime, overtime pay or any payment that is not cash, for example receiving the company’s services at zero cost.
  • Non-salary perceptions have to do with social security benefits or compensation —for dismissal, transfer or other reason—. At the end of this area of ​​the payroll, adding everything, the total accrued is detailed.

Deductions

What does the salary deduct?

  • The worker’s contributions to social security and concepts of joint collection – common contingencies, unemployment or temporary disability, professional training. This deduction has a maximum percentage of 6.7% of the contribution base.
  • IRPF . Although this tax is settled annually, every month, little by little, this obligation is paid to the State with a part of our contribution base.
  • Advances . If a salary advance is requested, it will be deducted from the total salary in the next payroll.
  • Other accruals . For example, the quota to the company’s union, if you exercise your right to strike, unjustified absences or a sanction of employment and salary by the company. All these concepts are deducted from your salary.

How to determine the bases for calculating the payroll?

To determine the contribution base, other essential aspects must be taken into account:

  • Contribution base for common contingencies (BCCC) . It is obtained by adding the base salary and the salary supplements that are subject to contribution and also the pro rata of the extraordinary payments. Overtime does not enter into this calculation.
  • Quote for overtime . Or what is the same, the payment that is derived for normal overtime.
  • Contribution base for contingencies . It is calculated by adding to the contribution base for common contingencies the value of overtime hours – in the case of carrying them out. It is the same base that is used for unemployment, vocational training and the wage guarantee fund.
  • Base subject to personal income tax withholding . It is obtained by adding the total accrued value and subtracting the amounts exempt from personal income tax, such as allowances or compensation.

After reading the article, you are sure you are clear about the sections of your payroll, what they mean and how to calculate your payroll. It is not something excessively complex, but there may be something that has remained in your inkwell and when you try to calculate it, the result does not match what you see in the document. If so, check with your company to see if there are any errors or contact an expert who can review it and clarify if everything is in order. Do not leave with doubt!

Finding the Best Skin Tightening Device For You

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Finding the Best Skin Tightening Device For
You
The best skin tightening devices are not just used on the face or body, offering a unique solution
to common skin problems like wrinkles, fine lines and crow’s feet, cottage cheese and more.
They also help with enlarged pores, brown blotches and dark circles under eyes. Many women
do not really know what is wrong with them beauty mall, so they go and get any over the counter treatment.
This can work for a while but then comes the inevitable day when the skin will tighten up again
and this time won’t be as effective.
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The best anti-aging skincare treatment should address all these issues. A product should
increase skin elasticity, reduce wrinkles and increase firmness while reducing puffiness. A skin
tightening device that contains collagen can stimulate the growth of new cells. Collagen has
been shown in clinical trials to tighten up skin and improve the skin’s elasticity, which is why it is
so popular with cosmetic surgeons. It has been proven to produce results.
A good skincare device should contain natural ingredients. Cynergy TK and Phytessence
Wakame are two ingredients that do just that. These are natural protein complexes extracted
from Japanese sea kelp known to be very effective in promoting skin elasticity. The ingredients
firm up the skin, creating fine lines, wrinkles and crow’s feet and reduce their appearance. A

good skin tightening device should be formulated with a patented ingredient called CYNERGY
TK, which stimulates the creation of collagen and elastin by your own body.
You might be thinking that you are too old to use a skin tightening device, but think again. As we
age our bodies lose firmness and elasticity, but our minds can keep us looking younger longer.

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Try this simple trick. Sit or lay down on the floor, with your knees bent, and then touch your face
with one hand. Snap your fingers as if you are pinching your nose.
Almost instantaneously you will see yourself smooth, wrinkle free and with far less wrinkles. This
is the power of the best skin tightening devices. When you look in the mirror, your eyes will be
far more alert because they were not filled with worry lines when you were young. The most
successful wrinkle reducing cream contains natural antioxidants such as Cynergy TK, avocado
oil and phytessence wakame, which make it safe and effective for eliminating fine lines, wrinkles
and other signs of aging.
You may have tried some of the many products on the market, but have not found the one that
works best for eliminating wrinkles and age spots. Stop settling for second best and give yourself
a chance to try an at home device for skincare that contains ingredients proven to increase
collagen levels, reduce dark spots and rejuvenate your skin. Give the world an opportunity to
see what you have been missing out on by using those aging skincare products. The results will
surprise you!

What is an Online Casino Promotion? 

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An online casino promotion is an exciting way to encourage new players. It is often provided on the first deposit and gives players a chance to try out the games without any risk. You can also find a Christmas themed online casino promotion. There are a variety of ways you can participate in an online casino’s promotion, but the most popular ones are listed below. Here are the different types of online casino promotions. Read on to learn more. 

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Before joining an online casino, you must know how to use an online casino promotion. You can find an online casino that offers the best reward, but make sure to read the small print. Some online casinos will deduct points from players if they withdraw their winnings. This can cause disincentives for some players, especially those who are new to the game. Using a good online casino promotion site can be a good way to maximize your profits. 

A great 12play Singapore online casino promotion will offer you a number of incentives. These incentives include free bonuses or free deposits after you make your initial deposit. Other online casino promotions will require that you visit a certain number of other online casinos, or make a minimum deposit. Once you know what you want, you can start playing and winning! The most popular online casinos offer a variety of promotions. A good online casino promotion will be tailored to your needs and preferences. 

Many online casinos offer registration free spins. These are perfect for trying out an online casino before committing to a deposit. You can even receive additional free spins when you make a qualifying deposit. In fact, many online casinos have their own free spins promotions, which range from 10 to fifty. They are ideal for trying out the casino, and they are often better than land-based promotions. The benefits of signing up for a mailing list are that you will be able to reach a wider audience and increase your profits. 

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An online casino promotion is a special offer offered to new players. Some of these promotions are tied to a slot machine, so you may want to look into these. These offers are often linked to bonuses, which will help you win money in the long run. You may be eligible to win these bonus offers after you play at least one round of games at the casino. While you can choose any kind of online casino promo that you like, be sure to read the T&Cs carefully. Some of these offers have complicated terms that you need to understand. 

There are a number of ways to participate in an online casino promotion. Some of these offers are game-specific, so you may find that you can earn free cash or spins from your friends’ deposits. A lot of people who sign up at an online casino for the sake of a promotional offer aren’t aware of what they are getting. You should also be aware of the terms and conditions of any online casino. It is important to remember that an online casino’s bonus offer may not be available in every jurisdiction.

 

Responsible Gambling – How to Avoid Problem Gambling

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Responsible Gambling – How to Avoid Problem Gambling

People may gamble for fun. However, as excitement develops, uncontrollable impulses can lead to addiction sbobet live casino. This condition can be worsened by other factors.

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This activity can be a person’s scapegoat from the hardships of life. As one person develops an attachment to the gambling activity, several noticeable symptoms develop. People with gambling problem often show at least five common symptoms:

Obsessed with gambling – even if the person isn’t gambling at all times. But he or she is always thinking about that activity.

Eviction – Gambling is made to compensate for the losses incurred by previous gambling.

Withdrawal – a desire to do more

Dishonesty – Like drug addicts, gambling addicts tend to hide their addiction from family, friends, and others around them.

Patience – more or more frequent bets are often needed to maintain the excitement.

Criminal Acts – To get more funding for gambling, problem gamblers who don’t have enough money are often involved in illegal acts such as theft, robbery, or fraud.

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Social Life Problems – Frequent gambling can negatively impact an individual’s important social obligations such as work, relationships, etc. To prevent addiction, all that is needed is a smart bet. Some simple tips to prevent engaging in compulsory gambling include:

1. Do not gamble while you are in trouble. Anxiety, anger, and sadness often let people do exciting activities in order to forget about other problems.This symptom is called escaping and is one of the most common triggers of addiction.

2. Limit the duration of your gambling activities. Whether you’re playing online or visiting a land-based casino, set a timeline for yourself. Be strict with yourself and exit or log out of the connection when the time expires.

3. Avoid drinking too much. Alcohol will impair poor judgment about the things around you. Limit your alcohol consumption during gambling activities.

4. Limit your bets. When you are in a land casino, bring only the amount that you can afford. When the money runs out, do not obey the need to withdraw cash from the nearest ATM. Credit card cash advances or borrowing won’t help either. It is better to walk away from the casino.